We must appreciate the reality of problems and or life changing events which precipitate the borrowers' mortgage delinquency, default, or foreclosure.  These problems exact an adverse impact on their decision making process.  Emotionally and financially distressed homeowners struggling to keep their home will usually embark upon a course of least resistance, and during this time become prey to those whose motives are less than sincere, or whose experience and skills are either greatly exaggerated or non-existant.

New Years Advice to Those facing foreclosure: 

1. Self-Education is required before you can trust a services provider.  
2. Only do business with those you can trust.

          www.spoch.org